Many people believe getting out of debt is all about math: spending less than you earn and paying the difference to your debt until it’s gone. In truth, becoming debt free for good is about more than math. It’s about changing your money habits and the way you view debt, plus putting in some good old-fashioned work. Take some advice from financial expert Jackie Beck, who is so passionate about getting out of debt that she not only paid off her house, but she created an app called Pay Off Debt to help others get out of debt, too. If you ever want to talk to her, just give her a shout. For the full story, with all her tips, see our sister site, Living on the Cheap.